• NO UP-FRONT FEES, GUARANTEED!
  • 13.4% APR typical (2 out 3 customers receive this rate or LOWER)
  • APR's from 7.9% to 30.9% (so we can help people in different circumstances)
  • Secured Loans from £2,000 to £100,000

Secured Loans FAQ

What are secured loans?

Secured loans require the borrower to provide some form of security for the lender. In the case of all our lenders this will be your house. Secured loans are sometimes known as second mortgages as they become a second charge on your house behind your existing mortgage (your first charge).

How long does it take to get a decision?

If you call us right now, we will give you an immediate “in principle” decision and will aim to send out your loan offer today. You will be under no obligation until the loan completes.

How much time will it take to process my secured loan?

It can vary from loan to loan and from lender to lender, but we’ll always keep you informed with an up-to-date estimate. We aim to complete your secured loan in just 2 weeks.

I jointly own my property with my partner. Do I need to complete a joint secured loan application?

Yes, if you jointly own your house then you will need to make a joint application as you both have an interest in the property. You will both need to sign all the relevant forms and legal documents.

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GBP Loans Information

GBP Loans Limited is registered in England and Wales
Registration No. 6795639
Registered office: 43 Harwood Road, London SW6 4QP
Consumer Credit Licence No. 625093
Registered with the Information Commissioner's Office
No. Z1621136

I'd like to speak to you, how do I get in touch?

If you have any questions and want to call us then please do so on 01923 66 55 98. Alternatively you can contact us using our contact form.

I'm married. Do I need to make a joint secured loan application?

Yes, if you are married you will need to make a joint application as you both have an interest in the property (even if the house is registered in only one name). You will both need to sign all the relevant forms and legal documents.

What information will I be asked for?

If you decide to proceed there will be some additional information required such as proof of income or proof of address. Every application is different and you will be provided with a personalised list of requirements along with the loan documents.

Will I have to pay any fees?

There are no upfront fees associated with our service or that of any of our lenders. Completing our application is free.

We may charge a broker fee if you proceed with the loan. If this is the case, the fee is added to the amount you borrow which you then pay interest on, but this will be incorporated into the monthly payments.

Some of our lenders may also charge a lending fee. Again this is only charged if you proceed with the loan and is added to the amount you borrow.

How much can I borrow and what terms can I repay it over?

Our lenders offer loans ranging from £2,000 to £100,000.

Repayment terms vary from 36 months to 360 months (3 years to 30 years).

What can secured loans be used for?

In short you can use our loans for any legal activity. A majority of people take out secured loans to consolidate existing debts, but you can also use the money for home improvements, university fees or wedding costs for example.

Will a credit search affect my credit rating?

If you apply on Fast Track, we will contact you to complete your application. If your application proceeds, an “Application Search” will be done on behalf of the lender. This may affect your credit rating as it is used by the lender when deciding whether to lend you money.